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2. Banks run on fees from people not having financial discipline. And they share some of those benefits with us (this entire forum). A higher limit encourages the poorly disciplined people to spend more and earn the bank more. And in the end people like us in the forum benefit from it. That's...

Solo. Used to be fit for the first few years...been a bit difficult to maintain my weight due to my job, pandemic habits and a leg injury recently. Don't think it's the food. As of recently Swiggy GVs have low rates so I am stocking up on Zomato vouchers from Wohoo (9% off + 1% from CCUPI) and...

Swiggy and Zomato both have the exact same price for most restaurants. And for both it's becoming difficult to apply bank specific vouchers of 150rs when the restaurants themselves have 150 off coupons by default. So I specifically reserve the bank offers for the select few restaurants without...

How is this allowed after the RBI rule that stated paying MAD should be clearing debt in a reasonable amount of time?

I am using CCs since I turned 18 (secured) + BNPL since 17 (got a minor PAN card at 16), no missed payments yet :) My cashback for last year with just Millenia and Amazon Pay was 12k+ so I don't really mind the annual fees given that these paid cards will easily pay for themselves many times...

August 2022. I mentioned I started 12 months+ back with my first CC - APay. It's 460k as of Sept 2023 only, 260k->420k->460k. No other CC has any LE yet.

Kotak. Because you can easily get unsecured card 6 months after you shut the FD card. OneCard, IDFC WOW, if you get secured before unsecured then it's impossible to get a new card on the same PAN.

C2C via Agent, they called after I abandoned online application. Got APay with 260k CL in August (no income docs) and in September applied for Millenia with APay's first statement😂 Edit: August 2022

Turned 22 recently, so I got 1 CC per month on average over the last 12+ months. Name Limit Fee Reason for keeping ICICI Amazon Pay 460k 0 Amazon cashback for large purchases + highest credit limit. First unsecured CC, started with 2.6L CL IDFC Select 300k 0 High credit limit + offers...

Did they require income proof at the store or later on?

No, I've used it on my phone only. Never had a Samsung watch.

You use CC for these right? There are hardly any LTF CCs with a good reward rate and zero forex markup. So you are better off using a debit card like Niyo Global with 0 forex markup to simplify things. If you do a SWIFT transfer then go for a bank account with lowest charges (IDFC has low...

They only issued FK Visa starting with 4400 during MC ban. Axis is back to mainly issuing MC now.

First 5 digits should be 533467, it's MasterCard.

It's the first time I used that feature though. I do see that they have set the convenience fee to 4.35% for me now when loading normally so I guess I won't be using my CC on Paytm Wallet anytime soon. Anyway, thanks for letting me know. I guess I don't like Paytm that much but I use it...

I don't think you can get FK Axis card converted to LTF... The only way is to apply when there is LTF offer. They don't. I planned my spends and maxed out my Millenia this month due to that because they report highest utilized limit. I added 25k through wallet as Paytm was 2.35% convenience fee...

I was in the same predicament as you. I was 19 and only option was FD card or BNPL. So, I opened both. Now I'm 21 and closed most of those accounts. In my opinion to boost your credit score and total credit limit across all accounts, it's actually good to have a medium-high limit FD card and a...

Banks have to agree to their fees also... Apple charges extra fees to banks in the US at least.

No... it's for Samsung Phones and watches only. Currently there's no way to make NFC payments on iOS in India due to Apple's restrictions. That's why I got the magsafe wallet. Stuck with eSIM like you as well...

I used Samsung Pay and Google Pay from 2017-2022 with my SBI, DBS, Axis DC and Kotak CC+DC. Worked 7/10 times, no security issues. You have heard about tokenization recently but the banks have had tokenization infrastructure since 2015 for Samsung Pay, the card is tokenized and stored securely...